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Best Health Insurance for Individuals
As an individual, private health insurance gives you personal control over your healthcare decisions and access to treatment on your timeline. Start with the right foundation and build from there.
Why It Matters
Key Considerations
- •Choose your excess to match your budget and risk tolerance
- •Start with major medical or surgical cover — the most cost-effective foundation
- •Add cancer cover to protect against catastrophic costs
- •Consider mental health cover (Accuro's unique add-on) if relevant
Our Recommendations
- ✓Major Medical Cover: Best starting point for complete protection
- ✓Accuro or Partners Life: Best value for most individuals
- ✓Cancer Cover: Critical given 1 in 3 Kiwis get cancer
- ✓Consider higher excess ($500-$1,000) to reduce premiums
Get a Individuals Quote
Personalised health insurance for individuals
Why Work With Us
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Independent
Our service is completely independent. Advisers are paid by providers, not you.
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All Providers
We compare Southern Cross, nib, AIA, Accuro & Partners Life — all major NZ insurers.
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Fast Quotes
Get a personalised quote within 24 hours. No waiting around.